| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.9% | +1.3% | -0.4 pts |
| Share growth (YoY) | +0.8% | +0.9% | -0.2 pts |
| Loan growth (YoY) | +1.5% | -2.6% | +4.2 pts |
| ROA | 0.05% | 0.65% | -0.6 pts |
| ROE | 0.4% | 4.4% | -4.0 pts |
ROA ranks in the 21st percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $77.6M | $70.3M | $56.0M | $8.2M | $18K | 0.05% | 3.95% | 3.04% | 11,026 |
| Q1 2026 | $78.4M | $70.8M | $54.8M | $8.3M | $10K | 0.05% | 3.91% | 2.16% | 10,958 |
| Q4 2025 | $77.0M | $69.4M | $55.2M | $8.3M | $45K | 0.06% | 3.81% | 2.27% | 10,931 |
| Q3 2025 | $77.4M | $70.1M | $55.1M | $8.3M | $39K | 0.07% | 3.80% | 2.47% | 11,030 |
| Q2 2025 | $76.9M | $69.8M | $55.2M | $8.3M | $25K | 0.07% | 3.77% | 1.58% | 11,295 |
| Q1 2025 | $76.8M | $68.6M | $54.9M | $8.4M | $5K | 0.03% | 3.79% | 1.28% | 11,390 |
| Q4 2024 | $75.6M | $67.5M | $55.8M | $8.4M | $45K | 0.06% | 3.58% | 1.49% | 11,548 |
| Q3 2024 | $77.5M | $68.1M | $57.0M | $8.4M | $39K | 0.07% | 3.44% | 2.33% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.05% | 0.65% | 21st | |
Return on equity Annualized net income ÷ equity or net worth | 0.4% | 4.4% | 21st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.95% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 11,759 |
| Q2 2024 | $76.8M | $66.5M | $56.9M | $8.4M | $33K | 0.09% | 3.40% | 2.54% | 12,237 |
Loan mix (Q2 2026): real estate $28.4M · commercial $7.1M · consumer $12.5M · securities $15.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.5% | 80.6% | 58th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
7 branches in 5 counties across 4 states (+2 vs 2025). Biggest market: Cuyahoga, OH, ranked 43rd with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Cuyahoga, OH | 2 | $20.1M* | 0.02% | 43rd |
| Lake, OH | 2 | $20.1M* | 0.28% | 21st |
| Sumter, SC | 1 | $10.0M* | 0.51% | 10th |
| 2 more counties with Pro → | ||||
Ohio: 292nd with 0.01% · Arkansas: 147th with 0.01% · Illinois: 520th with 0.00% · South Carolina: 132nd with 0.01% · Cleveland metro: 52nd, 0.03% · Sumter metro: 10th, 0.51% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 7 · 2023 6 · 2024 6 · 2025 5 · 2026 7